A Commercial Property insurance policy with Diversified Insurance protects assets such as accounts receivable, computers, and lost income in addition to your properties, both leased and owned from risks, including fire, theft, and natural disasters.

This insurance essentially provides the same protection to businesses that consumers receive from property insurance, with the added benefit of typically being able to deduct the cost of the premiums as expenses.  

You should get a Commercial Property insurance policy if you are a: 


Building Owner

This coverage is required to meet the mortgage qualifications needed to repair or rebuild your property if damaged or lost altogether.

Commercial Property Tenant

Tenants must provide a certification of insurance listing the coverage amounts, policy dates, and landlords added as an additional insured.

Real Estate Investor

Protect your properties, including apartment buildings and fix-and-flip structures, while under business ownership.


Commercial Property Insurance

When determining how much you should pay for Commercial Property insurance, the value of assets is the primary factor. Before meeting with an agent, a company should take an inventory of their physical assets located at their property to help determine what the replacement value and level of coverage should be.

Some Items Commercial Property Insurance Doesn’t Cover

General Liability, Workers’ Compensation, and Errors & Omissions are not standard parts of Commercial Property coverage. Acts of God, including hurricane, earthquake, or flood, are also not typically covered and require separate coverages to protect property.